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200505388 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained <br />in thi Security Instru nt and in any Rider executed by Borrower and recorded with it. <br />— Borrower — Nicole Karr — Date — <br />NEBRASKA -- Single Family-- Fannie Mae /Freddie Mae UNIFORM INSTRUMENT Form 3028 1/01 <br />DocU i NE 12 (Page 12 of 13 pages) <br />D0CU1NEC -VTX 06/19/2002 <br />